Home > Prosper Bank > Performance and Condition Ratios
Prosper Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 541 |
| Cost of funding earning assets | 0.5709% | 1,539 |
| Net interest margin | 4.4740% | 650 |
| Noninterest income to average assets | 0.6944% | 2,166 |
| Noninterest expense to average assets | 3.1086% | 2,036 |
| Loan and lease loss provision to assets | 0.0025% | 3,988 |
| Net operating income to assets | 1.7272% | 549 |
| Return on assets (ROA) | 1.9472% | 381 |
| Pretax return on assets | 1.9472% | 637 |
| Return on Equity (ROE) | 18.2344% | 342 |
| Retained earnings to average equity (ytd only) | 18.2344% | 79 |
| Net charge-offs to loans | -0.0209% | 4,964 |
| Credit loss provision to net charge-offs | -20.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2492% | 3,975 |
| Assets per employee ($millions) | 4.7140% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,426 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.7450% | 3,406 |
| Net loans and leases to deposits | 76.1595% | 3,365 |
| Net loans and leases to core deposits | 81.7043% | 3,300 |
| Total domestic deposits to total assets | 83.6994% | 3,384 |
| Equity capital to assets | 11.3205% | 2,724 |
| Core capital (leverage) ratio | 11.2575% | 2,189 |
| Tier 1 risk-based capital ratio | 16.2289% | 2,537 |
| Total risk-based capital ratio | 17.4702% | 2,483 |
| Memoranda: | ||
| Average total assets | $80,938,000 | 4,793 |
| Average earning assets | $74,967,000 | 4,786 |
| Average equity | $8,643,000 | 4,900 |
| Average total loans | $47,781,000 | 4,718 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 1,869 |
| Cost of funding earning assets | 0.5677% | 1,560 |
| Net interest margin | 3.8096% | 2,258 |
| Noninterest income to average assets | 0.6147% | 2,446 |
| Noninterest expense to average assets | 3.0736% | 2,167 |
| Loan and lease loss provision to assets | 0.0049% | 3,610 |
| Net operating income to assets | 1.0672% | 2,020 |
| Return on assets (ROA) | 1.3081% | 1,313 |
| Pretax return on assets | 1.3081% | 2,270 |
| Return on Equity (ROE) | 12.6238% | 1,123 |
| Retained earnings to average equity (ytd only) | 12.6238% | 426 |
| Net charge-offs to loans | 0.0087% | 2,831 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 280 |
| Efficiency ratio | 74.1400% | 2,452 |
| Assets per employee ($millions) | 4.4220% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 2,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 2,504 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.1687% | 4,130 |
| Net loans and leases to deposits | 64.5428% | 4,388 |
| Net loans and leases to core deposits | 68.9852% | 4,323 |
| Total domestic deposits to total assets | 88.5748% | 1,318 |
| Equity capital to assets | 10.7845% | 3,175 |
| Core capital (leverage) ratio | 10.2659% | 3,241 |
| Tier 1 risk-based capital ratio | 16.8249% | 2,356 |
| Total risk-based capital ratio | 18.0758% | 2,298 |
| Memoranda: | ||
| Average total assets | $81,338,000 | 4,832 |
| Average earning assets | $75,388,000 | 4,819 |
| Average equity | $8,428,500 | 4,968 |
| Average total loans | $45,793,500 | 4,811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,133 |
| Cost of funding earning assets | 0.5341% | 1,884 |
| Net interest margin | 3.7901% | 2,409 |
| Noninterest income to average assets | 0.2494% | 5,098 |
| Noninterest expense to average assets | 3.4483% | 1,389 |
| Loan and lease loss provision to assets | -0.7684% | 6,161 |
| Net operating income to assets | 0.9954% | 2,386 |
| Return on assets (ROA) | 1.0773% | 2,088 |
| Pretax return on assets | 1.1026% | 3,045 |
| Return on Equity (ROE) | 10.7692% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.7692% | 368 |
| Net charge-offs to loans | -1.5910% | 6,137 |
| Credit loss provision to net charge-offs | 93.9628% | 2,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2238% | 517 |
| Assets per employee ($millions) | 5.1925% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 2,150 |
| Loan loss allowance to noncurrent loans | 74.0823% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 942 |
| Noncurrent loans to loans | 1.9794% | 1,061 |
| Net loans and leases to total assets | 53.8662% | 4,517 |
| Net loans and leases to deposits | 63.7847% | 4,482 |
| Net loans and leases to core deposits | 68.1852% | 4,439 |
| Total domestic deposits to total assets | 84.4499% | 3,311 |
| Equity capital to assets | 9.9579% | 4,009 |
| Core capital (leverage) ratio | 10.1394% | 3,335 |
| Tier 1 risk-based capital ratio | 16.3330% | 2,552 |
| Total risk-based capital ratio | 17.5857% | 2,511 |
| Memoranda: | ||
| Average total assets | $78,996,400 | 4,894 |
| Average earning assets | $71,897,200 | 4,896 |
| Average equity | $7,902,200 | 5,081 |
| Average total loans | $40,603,200 | 4,984 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,121 |
| Cost of funding earning assets | 0.5304% | 1,961 |
| Net interest margin | 3.8056% | 2,360 |
| Noninterest income to average assets | 0.1778% | 5,587 |
| Noninterest expense to average assets | 3.5138% | 1,258 |
| Loan and lease loss provision to assets | -1.0379% | 6,260 |
| Net operating income to assets | 1.1901% | 1,682 |
| Return on assets (ROA) | 1.1901% | 1,747 |
| Pretax return on assets | 1.1491% | 3,021 |
| Return on Equity (ROE) | 11.8827% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.8827% | 380 |
| Net charge-offs to loans | -2.1590% | 6,224 |
| Credit loss provision to net charge-offs | 95.1411% | 2,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9340% | 388 |
| Assets per employee ($millions) | 4.5623% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 2,631 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.7397% | 4,589 |
| Net loans and leases to deposits | 62.9018% | 4,653 |
| Net loans and leases to core deposits | 67.5078% | 4,581 |
| Total domestic deposits to total assets | 85.4343% | 2,810 |
| Equity capital to assets | 10.5481% | 3,556 |
| Core capital (leverage) ratio | 10.0342% | 3,574 |
| Tier 1 risk-based capital ratio | 17.0890% | 2,345 |
| Total risk-based capital ratio | 18.3427% | 2,292 |
| Memoranda: | ||
| Average total assets | $77,975,500 | 4,967 |
| Average earning assets | $70,631,000 | 4,982 |
| Average equity | $7,809,500 | 5,159 |
| Average total loans | $39,399,500 | 5,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 2,103 |
| Cost of funding earning assets | 0.5159% | 2,104 |
| Net interest margin | 3.8081% | 2,277 |
| Noninterest income to average assets | 0.0666% | 6,124 |
| Noninterest expense to average assets | 3.5128% | 1,281 |
| Loan and lease loss provision to assets | -1.5567% | 6,340 |
| Net operating income to assets | 1.5925% | 755 |
| Return on assets (ROA) | 1.5925% | 780 |
| Pretax return on assets | 1.5311% | 1,555 |
| Return on Equity (ROE) | 16.1860% | 594 |
| Retained earnings to average equity (ytd only) | 16.1860% | 151 |
| Net charge-offs to loans | -3.5762% | 6,301 |
| Credit loss provision to net charge-offs | 88.5007% | 2,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7342% | 305 |
| Assets per employee ($millions) | 4.6021% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 1,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 708 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 49.5130% | 4,977 |
| Net loans and leases to deposits | 55.6302% | 5,146 |
| Net loans and leases to core deposits | 59.9514% | 5,076 |
| Total domestic deposits to total assets | 89.0038% | 1,142 |
| Equity capital to assets | 10.3137% | 3,668 |
| Core capital (leverage) ratio | 9.8964% | 3,743 |
| Tier 1 risk-based capital ratio | 15.8672% | 2,920 |
| Total risk-based capital ratio | 17.1210% | 2,875 |
| Memoranda: | ||
| Average total assets | $78,114,330 | 5,015 |
| Average earning assets | $70,166,670 | 5,037 |
| Average equity | $7,685,670 | 5,223 |
| Average total loans | $38,420,330 | 5,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,077 |
| Cost of funding earning assets | 0.4969% | 2,312 |
| Net interest margin | 3.8096% | 2,198 |
| Noninterest income to average assets | 0.3844% | 4,125 |
| Noninterest expense to average assets | 3.5104% | 1,282 |
| Loan and lease loss provision to assets | 0.0051% | 3,643 |
| Net operating income to assets | 0.2870% | 5,456 |
| Return on assets (ROA) | 0.2870% | 5,552 |
| Pretax return on assets | 0.2870% | 5,673 |
| Return on Equity (ROE) | 2.9891% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.9891% | 4,185 |
| Net charge-offs to loans | -0.1161% | 5,908 |
| Credit loss provision to net charge-offs | -9.0909% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3181% | 689 |
| Assets per employee ($millions) | 3.8968% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8126% | 703 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.7167% | 5,064 |
| Net loans and leases to deposits | 53.1888% | 5,256 |
| Net loans and leases to core deposits | 58.6488% | 5,080 |
| Total domestic deposits to total assets | 89.7119% | 896 |
| Equity capital to assets | 9.7004% | 4,511 |
| Core capital (leverage) ratio | 9.3244% | 4,533 |
| Tier 1 risk-based capital ratio | 16.5910% | 2,646 |
| Total risk-based capital ratio | 17.8419% | 2,596 |
| Memoranda: | ||
| Average total assets | $78,053,500 | 5,071 |
| Average earning assets | $70,033,500 | 5,088 |
| Average equity | $7,494,000 | 5,304 |
| Average total loans | $37,909,500 | 5,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,831 |
| Cost of funding earning assets | 0.5266% | 2,418 |
| Net interest margin | 3.9833% | 1,941 |
| Noninterest income to average assets | 0.4033% | 4,155 |
| Noninterest expense to average assets | 3.5417% | 1,404 |
| Loan and lease loss provision to assets | 0.0507% | 3,548 |
| Net operating income to assets | 0.4450% | 5,043 |
| Return on assets (ROA) | 0.4450% | 5,130 |
| Pretax return on assets | 0.3838% | 5,522 |
| Return on Equity (ROE) | 4.7599% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.7599% | 2,789 |
| Net charge-offs to loans | -0.0380% | 5,847 |
| Credit loss provision to net charge-offs | -260.0000% | 5,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0707% | 907 |
| Assets per employee ($millions) | 3.9086% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 1,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8041% | 764 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.8010% | 5,175 |
| Net loans and leases to deposits | 55.2382% | 5,233 |
| Net loans and leases to core deposits | 61.4235% | 5,047 |
| Total domestic deposits to total assets | 86.5361% | 2,549 |
| Equity capital to assets | 9.5021% | 4,720 |
| Core capital (leverage) ratio | 9.3111% | 4,524 |
| Tier 1 risk-based capital ratio | 15.2529% | 3,345 |
| Total risk-based capital ratio | 16.5040% | 3,294 |
| Memoranda: | ||
| Average total assets | $76,856,600 | 5,131 |
| Average earning assets | $68,938,000 | 5,149 |
| Average equity | $7,185,000 | 5,379 |
| Average total loans | $39,518,800 | 5,200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,930 |
| Cost of funding earning assets | 0.5197% | 2,568 |
| Net interest margin | 3.9658% | 1,979 |
| Noninterest income to average assets | 0.4059% | 4,205 |
| Noninterest expense to average assets | 3.5455% | 1,384 |
| Loan and lease loss provision to assets | 0.0662% | 3,025 |
| Net operating income to assets | 0.3572% | 5,408 |
| Return on assets (ROA) | 0.3572% | 5,483 |
| Pretax return on assets | 0.3572% | 5,663 |
| Return on Equity (ROE) | 3.8366% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.8366% | 3,920 |
| Net charge-offs to loans | -0.0568% | 5,958 |
| Credit loss provision to net charge-offs | -223.5294% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3327% | 891 |
| Assets per employee ($millions) | 3.9191% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7392% | 908 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.8118% | 5,030 |
| Net loans and leases to deposits | 58.7086% | 5,046 |
| Net loans and leases to core deposits | 65.3987% | 4,762 |
| Total domestic deposits to total assets | 84.8458% | 3,401 |
| Equity capital to assets | 9.2841% | 5,050 |
| Core capital (leverage) ratio | 9.3639% | 4,555 |
| Tier 1 risk-based capital ratio | 14.8888% | 3,658 |
| Total risk-based capital ratio | 16.1390% | 3,591 |
| Memoranda: | ||
| Average total assets | $76,527,750 | 5,198 |
| Average earning assets | $68,752,250 | 5,215 |
| Average equity | $7,124,250 | 5,436 |
| Average total loans | $39,900,250 | 5,248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,781 |
| Cost of funding earning assets | 0.5234% | 2,604 |
| Net interest margin | 3.9931% | 1,825 |
| Noninterest income to average assets | 0.5217% | 3,329 |
| Noninterest expense to average assets | 3.7439% | 1,062 |
| Loan and lease loss provision to assets | 0.0843% | 2,618 |
| Net operating income to assets | 0.2714% | 5,662 |
| Return on assets (ROA) | 0.2714% | 5,735 |
| Pretax return on assets | 0.2714% | 5,835 |
| Return on Equity (ROE) | 2.9123% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.9123% | 4,350 |
| Net charge-offs to loans | -0.0901% | 6,109 |
| Credit loss provision to net charge-offs | -177.7778% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3239% | 815 |
| Assets per employee ($millions) | 3.8975% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 2,627 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 2.4349% | 1,179 |
| Noncurrent loans to loans | 0.0701% | 5,813 |
| Net loans and leases to total assets | 50.4291% | 4,915 |
| Net loans and leases to deposits | 55.6871% | 5,217 |
| Net loans and leases to core deposits | 61.6157% | 5,000 |
| Total domestic deposits to total assets | 90.5579% | 561 |
| Equity capital to assets | 9.2381% | 5,056 |
| Core capital (leverage) ratio | 9.3039% | 4,583 |
| Tier 1 risk-based capital ratio | 14.9396% | 3,672 |
| Total risk-based capital ratio | 16.1913% | 3,614 |
| Memoranda: | ||
| Average total assets | $75,910,000 | 5,254 |
| Average earning assets | $68,016,670 | 5,269 |
| Average equity | $7,073,330 | 5,471 |
| Average total loans | $39,977,000 | 5,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 1,745 |
| Cost of funding earning assets | 0.5374% | 2,532 |
| Net interest margin | 3.9827% | 1,822 |
| Noninterest income to average assets | 0.5662% | 2,944 |
| Noninterest expense to average assets | 3.7922% | 995 |
| Loan and lease loss provision to assets | 0.0908% | 2,405 |
| Net operating income to assets | 0.2457% | 5,677 |
| Return on assets (ROA) | 0.2457% | 5,722 |
| Pretax return on assets | 0.2457% | 5,841 |
| Return on Equity (ROE) | 2.6250% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.6250% | 4,502 |
| Net charge-offs to loans | -0.0500% | 5,804 |
| Credit loss provision to net charge-offs | -340.0000% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8499% | 890 |
| Assets per employee ($millions) | 3.7782% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 3,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 1,240 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.1896% | 4,649 |
| Net loans and leases to deposits | 57.7149% | 4,972 |
| Net loans and leases to core deposits | 63.3042% | 4,749 |
| Total domestic deposits to total assets | 90.4265% | 844 |
| Equity capital to assets | 9.4173% | 4,603 |
| Core capital (leverage) ratio | 9.2319% | 4,669 |
| Tier 1 risk-based capital ratio | 14.5377% | 3,987 |
| Total risk-based capital ratio | 15.7865% | 3,935 |
| Memoranda: | ||
| Average total assets | $74,890,500 | 5,320 |
| Average earning assets | $66,989,000 | 5,353 |
| Average equity | $7,009,500 | 5,514 |
| Average total loans | $39,999,500 | 5,323 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 1,790 |
| Cost of funding earning assets | 0.5484% | 3,126 |
| Net interest margin | 4.0755% | 1,716 |
| Noninterest income to average assets | 0.9015% | 1,672 |
| Noninterest expense to average assets | 3.9099% | 977 |
| Loan and lease loss provision to assets | 0.0627% | 3,879 |
| Net operating income to assets | 0.4919% | 4,762 |
| Return on assets (ROA) | 0.6842% | 3,970 |
| Pretax return on assets | 0.7413% | 4,371 |
| Return on Equity (ROE) | 7.3155% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.3155% | 1,308 |
| Net charge-offs to loans | 0.2299% | 2,619 |
| Credit loss provision to net charge-offs | 47.3684% | 3,879 |
| Earnings coverage of net charge-offs (x) | 4.4947% | 3,550 |
| Efficiency ratio | 86.7925% | 1,338 |
| Assets per employee ($millions) | 3.7109% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7961% | 2,058 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.0828% | 4,713 |
| Net loans and leases to deposits | 58.5890% | 5,068 |
| Net loans and leases to core deposits | 63.2650% | 4,944 |
| Total domestic deposits to total assets | 90.6020% | 746 |
| Equity capital to assets | 9.3010% | 4,691 |
| Core capital (leverage) ratio | 9.3534% | 4,470 |
| Tier 1 risk-based capital ratio | 14.2190% | 4,140 |
| Total risk-based capital ratio | 15.4170% | 4,122 |
| Memoranda: | ||
| Average total assets | $71,766,600 | 5,423 |
| Average earning assets | $63,453,000 | 5,486 |
| Average equity | $6,711,800 | 5,642 |
| Average total loans | $41,316,200 | 5,294 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 1,825 |
| Cost of funding earning assets | 0.5538% | 3,227 |
| Net interest margin | 4.0674% | 1,734 |
| Noninterest income to average assets | 0.6952% | 2,635 |
| Noninterest expense to average assets | 3.8526% | 1,023 |
| Loan and lease loss provision to assets | 0.0543% | 3,948 |
| Net operating income to assets | 0.3804% | 5,331 |
| Return on assets (ROA) | 0.6615% | 4,196 |
| Pretax return on assets | 0.6615% | 4,814 |
| Return on Equity (ROE) | 7.0626% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.0626% | 1,843 |
| Net charge-offs to loans | 0.3521% | 1,786 |
| Credit loss provision to net charge-offs | 26.3636% | 3,962 |
| Earnings coverage of net charge-offs (x) | 2.1092% | 4,136 |
| Efficiency ratio | 89.8601% | 1,005 |
| Assets per employee ($millions) | 3.4188% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5309% | 1,513 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.4281% | 4,259 |
| Net loans and leases to deposits | 62.3156% | 4,712 |
| Net loans and leases to core deposits | 66.6360% | 4,656 |
| Total domestic deposits to total assets | 90.5521% | 723 |
| Equity capital to assets | 9.2960% | 4,811 |
| Core capital (leverage) ratio | 9.1669% | 4,879 |
| Tier 1 risk-based capital ratio | 13.4078% | 4,831 |
| Total risk-based capital ratio | 14.5127% | 4,875 |
| Memoranda: | ||
| Average total assets | $71,153,750 | 5,496 |
| Average earning assets | $62,839,250 | 5,571 |
| Average equity | $6,664,000 | 5,729 |
| Average total loans | $41,653,000 | 5,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,865 |
| Cost of funding earning assets | 0.5582% | 3,335 |
| Net interest margin | 4.0382% | 1,734 |
| Noninterest income to average assets | 0.6851% | 2,718 |
| Noninterest expense to average assets | 3.8060% | 1,085 |
| Loan and lease loss provision to assets | 0.0338% | 4,265 |
| Net operating income to assets | 0.4144% | 5,164 |
| Return on assets (ROA) | 0.8373% | 3,265 |
| Pretax return on assets | 0.8373% | 4,168 |
| Return on Equity (ROE) | 8.9180% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.9180% | 1,156 |
| Net charge-offs to loans | 0.5448% | 1,211 |
| Credit loss provision to net charge-offs | 10.5263% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.3947% | 4,073 |
| Efficiency ratio | 89.4632% | 1,086 |
| Assets per employee ($millions) | 3.5615% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,738 |
| Loan loss allowance to noncurrent loans | 105.4656% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 3.3399% | 1,174 |
| Noncurrent loans to loans | 1.1834% | 3,581 |
| Net loans and leases to total assets | 57.8717% | 4,012 |
| Net loans and leases to deposits | 64.0103% | 4,500 |
| Net loans and leases to core deposits | 68.5434% | 4,445 |
| Total domestic deposits to total assets | 90.4099% | 799 |
| Equity capital to assets | 9.4090% | 4,706 |
| Core capital (leverage) ratio | 9.1682% | 4,735 |
| Tier 1 risk-based capital ratio | 13.1830% | 5,002 |
| Total risk-based capital ratio | 14.2396% | 5,091 |
| Memoranda: | ||
| Average total assets | $70,940,330 | 5,541 |
| Average earning assets | $62,701,000 | 5,602 |
| Average equity | $6,660,670 | 5,770 |
| Average total loans | $41,853,000 | 5,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,899 |
| Cost of funding earning assets | 0.5556% | 3,514 |
| Net interest margin | 4.0230% | 1,700 |
| Noninterest income to average assets | 0.6385% | 2,941 |
| Noninterest expense to average assets | 3.9325% | 959 |
| Loan and lease loss provision to assets | 0.0057% | 4,365 |
| Net operating income to assets | 0.2599% | 5,697 |
| Return on assets (ROA) | 1.0735% | 2,066 |
| Pretax return on assets | 1.0735% | 3,055 |
| Return on Equity (ROE) | 11.4458% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.4458% | 792 |
| Net charge-offs to loans | 1.1549% | 510 |
| Credit loss provision to net charge-offs | 0.8264% | 3,233 |
| Earnings coverage of net charge-offs (x) | 0.3884% | 3,683 |
| Efficiency ratio | 93.6743% | 855 |
| Assets per employee ($millions) | 3.9612% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,173 |
| Loan loss allowance to noncurrent loans | 96.1686% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 3.3758% | 1,285 |
| Noncurrent loans to loans | 1.2485% | 3,689 |
| Net loans and leases to total assets | 57.9361% | 3,787 |
| Net loans and leases to deposits | 64.0678% | 4,302 |
| Net loans and leases to core deposits | 68.5888% | 4,232 |
| Total domestic deposits to total assets | 90.4293% | 803 |
| Equity capital to assets | 9.3982% | 5,002 |
| Core capital (leverage) ratio | 9.0705% | 4,768 |
| Tier 1 risk-based capital ratio | 13.2028% | 5,066 |
| Total risk-based capital ratio | 14.2408% | 5,174 |
| Memoranda: | ||
| Average total assets | $70,795,500 | 5,602 |
| Average earning assets | $62,640,000 | 5,656 |
| Average equity | $6,640,000 | 5,833 |
| Average total loans | $41,908,000 | 5,378 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,805 |
| Cost of funding earning assets | 0.6267% | 4,128 |
| Net interest margin | 4.2845% | 1,435 |
| Noninterest income to average assets | 0.8581% | 2,001 |
| Noninterest expense to average assets | 4.3553% | 649 |
| Loan and lease loss provision to assets | 0.0093% | 5,803 |
| Net operating income to assets | 0.0340% | 6,111 |
| Return on assets (ROA) | 0.0340% | 6,256 |
| Pretax return on assets | 0.2350% | 5,945 |
| Return on Equity (ROE) | 0.3317% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.3317% | 5,685 |
| Net charge-offs to loans | 1.0712% | 998 |
| Credit loss provision to net charge-offs | 1.3015% | 5,471 |
| Earnings coverage of net charge-offs (x) | 0.3427% | 5,305 |
| Efficiency ratio | 94.6891% | 767 |
| Assets per employee ($millions) | 3.3471% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 3,825 |
| Loan loss allowance to noncurrent loans | 101.8003% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 3.5510% | 1,268 |
| Noncurrent loans to loans | 1.4546% | 3,416 |
| Net loans and leases to total assets | 58.8747% | 3,823 |
| Net loans and leases to deposits | 65.1968% | 4,390 |
| Net loans and leases to core deposits | 69.2776% | 4,399 |
| Total domestic deposits to total assets | 90.3030% | 803 |
| Equity capital to assets | 9.3598% | 5,057 |
| Core capital (leverage) ratio | 9.4597% | 4,170 |
| Tier 1 risk-based capital ratio | 12.6988% | 5,326 |
| Total risk-based capital ratio | 13.9486% | 5,267 |
| Memoranda: | ||
| Average total assets | $64,680,200 | 5,795 |
| Average earning assets | $56,483,200 | 5,849 |
| Average equity | $6,633,400 | 5,863 |
| Average total loans | $43,037,800 | 5,377 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 1,575 |
| Cost of funding earning assets | 0.6536% | 4,162 |
| Net interest margin | 4.3888% | 1,227 |
| Noninterest income to average assets | 0.8934% | 1,851 |
| Noninterest expense to average assets | 4.4164% | 591 |
| Loan and lease loss provision to assets | 0.0063% | 5,730 |
| Net operating income to assets | 0.2908% | 5,643 |
| Return on assets (ROA) | 0.2908% | 5,848 |
| Pretax return on assets | 0.2908% | 5,975 |
| Return on Equity (ROE) | 2.7682% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.7682% | 4,893 |
| Net charge-offs to loans | 0.6683% | 1,644 |
| Credit loss provision to net charge-offs | 1.3825% | 5,148 |
| Earnings coverage of net charge-offs (x) | 0.6498% | 4,996 |
| Efficiency ratio | 93.6969% | 796 |
| Assets per employee ($millions) | 3.0110% | 6,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 1,999 |
| Loan loss allowance to noncurrent loans | 117.2320% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 3.5235% | 1,418 |
| Noncurrent loans to loans | 1.7611% | 3,138 |
| Net loans and leases to total assets | 64.8169% | 2,875 |
| Net loans and leases to deposits | 72.7445% | 3,487 |
| Net loans and leases to core deposits | 76.8070% | 3,627 |
| Total domestic deposits to total assets | 89.1020% | 1,371 |
| Equity capital to assets | 10.6022% | 3,730 |
| Core capital (leverage) ratio | 10.1892% | 3,297 |
| Tier 1 risk-based capital ratio | 13.8273% | 4,672 |
| Total risk-based capital ratio | 15.0845% | 4,623 |
| Memoranda: | ||
| Average total assets | $63,277,750 | 5,902 |
| Average earning assets | $55,078,750 | 5,961 |
| Average equity | $6,647,000 | 5,925 |
| Average total loans | $43,296,000 | 5,422 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 1,553 |
| Cost of funding earning assets | 0.6618% | 4,349 |
| Net interest margin | 4.4217% | 1,145 |
| Noninterest income to average assets | 0.9132% | 1,735 |
| Noninterest expense to average assets | 4.3070% | 646 |
| Loan and lease loss provision to assets | 0.0063% | 5,577 |
| Net operating income to assets | 0.4424% | 5,067 |
| Return on assets (ROA) | 0.4424% | 5,296 |
| Pretax return on assets | 0.4424% | 5,591 |
| Return on Equity (ROE) | 4.2245% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.2245% | 3,801 |
| Net charge-offs to loans | 1.0051% | 1,101 |
| Credit loss provision to net charge-offs | 0.9091% | 4,804 |
| Earnings coverage of net charge-offs (x) | 0.6455% | 4,739 |
| Efficiency ratio | 90.5648% | 1,030 |
| Assets per employee ($millions) | 3.1790% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 2,445 |
| Loan loss allowance to noncurrent loans | 115.5914% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 3.5153% | 1,513 |
| Noncurrent loans to loans | 1.6693% | 3,394 |
| Net loans and leases to total assets | 68.7465% | 2,153 |
| Net loans and leases to deposits | 77.0542% | 2,827 |
| Net loans and leases to core deposits | 81.2541% | 3,053 |
| Total domestic deposits to total assets | 89.2183% | 1,377 |
| Equity capital to assets | 10.5473% | 3,627 |
| Core capital (leverage) ratio | 10.3324% | 3,009 |
| Tier 1 risk-based capital ratio | 13.6148% | 4,730 |
| Total risk-based capital ratio | 14.8554% | 4,705 |
| Memoranda: | ||
| Average total assets | $63,293,000 | 5,934 |
| Average earning assets | $55,001,000 | 6,000 |
| Average equity | $6,628,000 | 5,951 |
| Average total loans | $43,778,330 | 5,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 1,302 |
| Cost of funding earning assets | 0.6782% | 4,482 |
| Net interest margin | 4.5284% | 957 |
| Noninterest income to average assets | 0.8424% | 1,973 |
| Noninterest expense to average assets | 4.2186% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5574% | 4,554 |
| Return on assets (ROA) | 0.5574% | 4,772 |
| Pretax return on assets | 0.5574% | 5,247 |
| Return on Equity (ROE) | 5.3422% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.3422% | 3,346 |
| Net charge-offs to loans | 1.1617% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6984% | 3,988 |
| Efficiency ratio | 88.3289% | 1,243 |
| Assets per employee ($millions) | 3.1733% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2073% | 1,863 |
| Loan loss allowance to noncurrent loans | 126.4628% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 3.5263% | 1,623 |
| Noncurrent loans to loans | 1.7454% | 3,495 |
| Net loans and leases to total assets | 66.3867% | 2,391 |
| Net loans and leases to deposits | 74.3939% | 3,063 |
| Net loans and leases to core deposits | 78.0819% | 3,312 |
| Total domestic deposits to total assets | 89.2368% | 1,526 |
| Equity capital to assets | 10.4733% | 3,521 |
| Core capital (leverage) ratio | 10.2085% | 3,095 |
| Tier 1 risk-based capital ratio | 13.4880% | 4,836 |
| Total risk-based capital ratio | 14.7591% | 4,805 |
| Memoranda: | ||
| Average total assets | $63,149,500 | 5,981 |
| Average earning assets | $54,854,000 | 6,042 |
| Average equity | $6,589,000 | 5,997 |
| Average total loans | $43,383,000 | 5,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 2,311 |
| Cost of funding earning assets | 0.9661% | 3,606 |
| Net interest margin | 4.1679% | 2,168 |
| Noninterest income to average assets | -0.0565% | 7,066 |
| Noninterest expense to average assets | 5.1668% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.2940% | 6,854 |
| Return on assets (ROA) | -1.2940% | 6,871 |
| Pretax return on assets | -1.6775% | 6,937 |
| Return on Equity (ROE) | -14.7638% | 6,886 |
| Retained earnings to average equity (ytd only) | -14.7638% | 6,864 |
| Net charge-offs to loans | 0.1857% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -13.2289% | 6,404 |
| Efficiency ratio | 148.0736% | 146 |
| Assets per employee ($millions) | 3.1417% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,359 |
| Loan loss allowance to noncurrent loans | 141.6557% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 3.5761% | 1,646 |
| Noncurrent loans to loans | 1.7421% | 3,547 |
| Net loans and leases to total assets | 67.8051% | 2,440 |
| Net loans and leases to deposits | 76.0175% | 3,177 |
| Net loans and leases to core deposits | 80.2668% | 3,425 |
| Total domestic deposits to total assets | 89.1968% | 1,423 |
| Equity capital to assets | 10.3942% | 3,661 |
| Core capital (leverage) ratio | 10.0726% | 3,252 |
| Tier 1 risk-based capital ratio | 13.3983% | 4,771 |
| Total risk-based capital ratio | 14.6635% | 4,728 |
| Memoranda: | ||
| Average total assets | $65,456,200 | 5,884 |
| Average earning assets | $55,688,000 | 5,997 |
| Average equity | $5,737,000 | 6,223 |
| Average total loans | $44,695,600 | 5,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 2,742 |
| Cost of funding earning assets | 1.0194% | 3,535 |
| Net interest margin | 4.0538% | 2,678 |
| Noninterest income to average assets | 0.6474% | 2,901 |
| Noninterest expense to average assets | 4.9531% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.8732% | 6,835 |
| Return on assets (ROA) | -0.8732% | 6,870 |
| Pretax return on assets | -0.8732% | 6,819 |
| Return on Equity (ROE) | -10.4238% | 6,903 |
| Retained earnings to average equity (ytd only) | -10.4238% | 6,869 |
| Net charge-offs to loans | 0.1216% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -10.5601% | 6,136 |
| Efficiency ratio | 121.4039% | 297 |
| Assets per employee ($millions) | 2.8917% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5890% | 1,278 |
| Loan loss allowance to noncurrent loans | 133.6114% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 7.1459% | 681 |
| Noncurrent loans to loans | 1.9377% | 3,445 |
| Net loans and leases to total assets | 66.2999% | 2,825 |
| Net loans and leases to deposits | 74.8222% | 3,541 |
| Net loans and leases to core deposits | 78.9688% | 3,778 |
| Total domestic deposits to total assets | 88.6100% | 1,689 |
| Equity capital to assets | 10.9939% | 3,154 |
| Core capital (leverage) ratio | 10.8698% | 2,503 |
| Tier 1 risk-based capital ratio | 14.9614% | 3,681 |
| Total risk-based capital ratio | 16.2299% | 3,644 |
| Memoranda: | ||
| Average total assets | $66,112,000 | 5,906 |
| Average earning assets | $55,979,750 | 6,032 |
| Average equity | $5,538,500 | 6,323 |
| Average total loans | $44,949,000 | 5,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,945 |
| Cost of funding earning assets | 1.0823% | 3,373 |
| Net interest margin | 3.9639% | 3,017 |
| Noninterest income to average assets | 0.6334% | 2,928 |
| Noninterest expense to average assets | 5.1566% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.1532% | 6,989 |
| Return on assets (ROA) | -1.1532% | 6,995 |
| Pretax return on assets | -1.1532% | 6,947 |
| Return on Equity (ROE) | -15.2771% | 7,073 |
| Retained earnings to average equity (ytd only) | -15.2771% | 7,046 |
| Net charge-offs to loans | 0.1978% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -8.5778% | 5,824 |
| Efficiency ratio | 128.8060% | 263 |
| Assets per employee ($millions) | 3.2272% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 1,345 |
| Loan loss allowance to noncurrent loans | 131.9149% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 8.3479% | 530 |
| Noncurrent loans to loans | 1.9459% | 3,548 |
| Net loans and leases to total assets | 65.6307% | 3,110 |
| Net loans and leases to deposits | 73.8661% | 3,821 |
| Net loans and leases to core deposits | 78.7463% | 3,967 |
| Total domestic deposits to total assets | 88.8508% | 1,632 |
| Equity capital to assets | 10.7494% | 3,229 |
| Core capital (leverage) ratio | 10.4841% | 2,727 |
| Tier 1 risk-based capital ratio | 13.8791% | 4,251 |
| Total risk-based capital ratio | 15.1414% | 4,213 |
| Memoranda: | ||
| Average total assets | $66,943,670 | 5,927 |
| Average earning assets | $56,913,670 | 6,060 |
| Average equity | $5,053,330 | 6,515 |
| Average total loans | $45,499,000 | 5,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 3,218 |
| Cost of funding earning assets | 1.1466% | 3,181 |
| Net interest margin | 3.8289% | 3,471 |
| Noninterest income to average assets | 0.6046% | 3,130 |
| Noninterest expense to average assets | 5.8171% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.9195% | 7,269 |
| Return on assets (ROA) | -1.9195% | 7,268 |
| Pretax return on assets | -1.9195% | 7,240 |
| Return on Equity (ROE) | -31.8171% | 7,331 |
| Retained earnings to average equity (ytd only) | -31.8171% | 7,306 |
| Net charge-offs to loans | 0.5418% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -5.1905% | 5,026 |
| Efficiency ratio | 149.2470% | 171 |
| Assets per employee ($millions) | 3.1999% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3306% | 1,718 |
| Loan loss allowance to noncurrent loans | 45.8647% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 8.0286% | 592 |
| Noncurrent loans to loans | 5.0815% | 1,319 |
| Net loans and leases to total assets | 68.4763% | 2,457 |
| Net loans and leases to deposits | 75.3846% | 3,519 |
| Net loans and leases to core deposits | 80.4117% | 3,684 |
| Total domestic deposits to total assets | 90.8359% | 703 |
| Equity capital to assets | 8.8412% | 5,427 |
| Core capital (leverage) ratio | 8.6884% | 5,100 |
| Tier 1 risk-based capital ratio | 11.4888% | 6,115 |
| Total risk-based capital ratio | 12.7492% | 6,085 |
| Memoranda: | ||
| Average total assets | $68,144,000 | 5,927 |
| Average earning assets | $58,606,500 | 6,044 |
| Average equity | $4,111,000 | 6,843 |
| Average total loans | $46,510,500 | 5,547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 4,419 |
| Cost of funding earning assets | 1.5653% | 2,272 |
| Net interest margin | 3.4631% | 5,388 |
| Noninterest income to average assets | 0.6471% | 3,169 |
| Noninterest expense to average assets | 4.5427% | 624 |
| Loan and lease loss provision to assets | 0.1261% | 5,902 |
| Net operating income to assets | -0.9721% | 6,664 |
| Return on assets (ROA) | -0.9721% | 6,703 |
| Pretax return on assets | -0.9721% | 6,624 |
| Return on Equity (ROE) | -26.1571% | 7,159 |
| Retained earnings to average equity (ytd only) | -26.1571% | 7,142 |
| Net charge-offs to loans | 1.4357% | 1,543 |
| Credit loss provision to net charge-offs | 11.8110% | 6,602 |
| Earnings coverage of net charge-offs (x) | -0.7927% | 6,550 |
| Efficiency ratio | 122.8875% | 382 |
| Assets per employee ($millions) | 3.2900% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5289% | 1,377 |
| Loan loss allowance to noncurrent loans | 107.6994% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 5.9038% | 1,016 |
| Noncurrent loans to loans | 2.3481% | 3,173 |
| Net loans and leases to total assets | 64.7668% | 3,718 |
| Net loans and leases to deposits | 67.3378% | 5,191 |
| Net loans and leases to core deposits | 72.2674% | 5,181 |
| Total domestic deposits to total assets | 96.1818% | 36 |
| Equity capital to assets | 3.3014% | 7,545 |
| Core capital (leverage) ratio | 3.2218% | 7,542 |
| Tier 1 risk-based capital ratio | 4.4933% | 7,540 |
| Total risk-based capital ratio | 5.7574% | 7,545 |
| Memoranda: | ||
| Average total assets | $71,390,000 | 5,846 |
| Average earning assets | $62,862,800 | 5,900 |
| Average equity | $2,653,200 | 7,363 |
| Average total loans | $53,076,200 | 5,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 4,559 |
| Cost of funding earning assets | 1.5977% | 2,399 |
| Net interest margin | 3.4592% | 5,457 |
| Noninterest income to average assets | 0.6188% | 3,326 |
| Noninterest expense to average assets | 4.4428% | 636 |
| Loan and lease loss provision to assets | 0.1667% | 5,379 |
| Net operating income to assets | -0.9301% | 6,863 |
| Return on assets (ROA) | -0.9301% | 6,904 |
| Pretax return on assets | -0.9301% | 6,820 |
| Return on Equity (ROE) | -24.3721% | 7,306 |
| Retained earnings to average equity (ytd only) | -24.3721% | 7,295 |
| Net charge-offs to loans | 1.4750% | 1,368 |
| Credit loss provision to net charge-offs | 14.8270% | 6,294 |
| Earnings coverage of net charge-offs (x) | -0.6788% | 6,385 |
| Efficiency ratio | 120.7452% | 384 |
| Assets per employee ($millions) | 3.6625% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7132% | 1,072 |
| Loan loss allowance to noncurrent loans | 57.7700% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 6.3977% | 895 |
| Noncurrent loans to loans | 4.6965% | 1,512 |
| Net loans and leases to total assets | 67.8105% | 3,261 |
| Net loans and leases to deposits | 70.6301% | 5,064 |
| Net loans and leases to core deposits | 75.3934% | 5,134 |
| Total domestic deposits to total assets | 96.0079% | 26 |
| Equity capital to assets | 3.6170% | 7,659 |
| Core capital (leverage) ratio | 3.5629% | 7,644 |
| Tier 1 risk-based capital ratio | 4.6928% | 7,652 |
| Total risk-based capital ratio | 5.9583% | 7,657 |
| Memoranda: | ||
| Average total assets | $71,964,750 | 5,886 |
| Average earning assets | $63,674,500 | 5,929 |
| Average equity | $2,746,250 | 7,439 |
| Average total loans | $54,868,000 | 5,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 3,828 |
| Cost of funding earning assets | 1.6461% | 2,408 |
| Net interest margin | 3.5774% | 4,911 |
| Noninterest income to average assets | 0.5993% | 3,338 |
| Noninterest expense to average assets | 4.5934% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.8219% | 6,873 |
| Return on assets (ROA) | -0.8219% | 6,885 |
| Pretax return on assets | -0.8219% | 6,795 |
| Return on Equity (ROE) | -21.1856% | 7,294 |
| Retained earnings to average equity (ytd only) | -21.1856% | 7,279 |
| Net charge-offs to loans | 1.7161% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.6115% | 6,049 |
| Efficiency ratio | 121.7930% | 389 |
| Assets per employee ($millions) | 3.7945% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6707% | 1,120 |
| Loan loss allowance to noncurrent loans | 76.9319% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 5.7408% | 1,052 |
| Noncurrent loans to loans | 3.4716% | 2,282 |
| Net loans and leases to total assets | 71.7105% | 2,484 |
| Net loans and leases to deposits | 75.2146% | 4,485 |
| Net loans and leases to core deposits | 79.0698% | 4,795 |
| Total domestic deposits to total assets | 95.3412% | 38 |
| Equity capital to assets | 3.9472% | 7,698 |
| Core capital (leverage) ratio | 3.7064% | 7,698 |
| Tier 1 risk-based capital ratio | 5.0110% | 7,700 |
| Total risk-based capital ratio | 6.2774% | 7,700 |
| Memoranda: | ||
| Average total assets | $72,757,000 | 5,899 |
| Average earning assets | $64,515,670 | 5,945 |
| Average equity | $2,822,670 | 7,469 |
| Average total loans | $56,989,330 | 5,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 4,353 |
| Cost of funding earning assets | 1.7108% | 2,333 |
| Net interest margin | 3.4276% | 5,474 |
| Noninterest income to average assets | 0.5014% | 4,038 |
| Noninterest expense to average assets | 4.6676% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1096% | 7,171 |
| Return on assets (ROA) | -1.1096% | 7,187 |
| Pretax return on assets | -1.1096% | 7,104 |
| Return on Equity (ROE) | -28.8288% | 7,554 |
| Retained earnings to average equity (ytd only) | -28.8288% | 7,524 |
| Net charge-offs to loans | 1.4588% | 1,185 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.9455% | 5,374 |
| Efficiency ratio | 131.1844% | 325 |
| Assets per employee ($millions) | 3.5259% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7929% | 996 |
| Loan loss allowance to noncurrent loans | 31.9216% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 7.9845% | 620 |
| Noncurrent loans to loans | 8.7492% | 574 |
| Net loans and leases to total assets | 75.8222% | 1,580 |
| Net loans and leases to deposits | 79.3154% | 3,778 |
| Net loans and leases to core deposits | 83.3336% | 4,293 |
| Total domestic deposits to total assets | 95.5958% | 38 |
| Equity capital to assets | 3.7532% | 7,813 |
| Core capital (leverage) ratio | 3.4981% | 7,813 |
| Tier 1 risk-based capital ratio | 4.6153% | 7,824 |
| Total risk-based capital ratio | 5.8836% | 7,827 |
| Memoranda: | ||
| Average total assets | $74,985,000 | 5,907 |
| Average earning assets | $66,868,000 | 5,937 |
| Average equity | $2,886,000 | 7,527 |
| Average total loans | $60,322,500 | 5,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 5,652 |
| Cost of funding earning assets | 2.3563% | 1,438 |
| Net interest margin | 2.8442% | 6,985 |
| Noninterest income to average assets | 0.8113% | 2,351 |
| Noninterest expense to average assets | 7.0475% | 203 |
| Loan and lease loss provision to assets | 3.9102% | 358 |
| Net operating income to assets | -7.5880% | 7,918 |
| Return on assets (ROA) | -7.5880% | 7,910 |
| Pretax return on assets | -7.5880% | 7,898 |
| Return on Equity (ROE) | -91.4364% | 7,906 |
| Retained earnings to average equity (ytd only) | -91.4364% | 7,904 |
| Net charge-offs to loans | 3.6453% | 516 |
| Credit loss provision to net charge-offs | 145.0731% | 3,280 |
| Earnings coverage of net charge-offs (x) | -1.3645% | 6,937 |
| Efficiency ratio | 120.9975% | 590 |
| Assets per employee ($millions) | 3.3012% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9146% | 834 |
| Loan loss allowance to noncurrent loans | 180.7692% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 2.8659% | 2,449 |
| Noncurrent loans to loans | 1.6123% | 4,237 |
| Net loans and leases to total assets | 80.4167% | 921 |
| Net loans and leases to deposits | 84.6312% | 3,154 |
| Net loans and leases to core deposits | 121.7945% | 1,797 |
| Total domestic deposits to total assets | 95.0202% | 53 |
| Equity capital to assets | 3.9419% | 7,864 |
| Core capital (leverage) ratio | 3.5537% | 7,871 |
| Tier 1 risk-based capital ratio | 4.5720% | 7,889 |
| Total risk-based capital ratio | 5.8439% | 7,891 |
| Memoranda: | ||
| Average total assets | $96,389,200 | 5,188 |
| Average earning assets | $86,702,200 | 5,238 |
| Average equity | $7,999,000 | 5,924 |
| Average total loans | $71,269,800 | 4,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 6,041 |
| Cost of funding earning assets | 2.4768% | 1,374 |
| Net interest margin | 2.6883% | 7,229 |
| Noninterest income to average assets | 0.8210% | 2,330 |
| Noninterest expense to average assets | 3.7817% | 1,633 |
| Loan and lease loss provision to assets | 2.6481% | 609 |
| Net operating income to assets | -3.1879% | 7,629 |
| Return on assets (ROA) | -3.1879% | 7,631 |
| Pretax return on assets | -3.1879% | 7,549 |
| Return on Equity (ROE) | -34.9810% | 7,701 |
| Retained earnings to average equity (ytd only) | -34.9810% | 7,692 |
| Net charge-offs to loans | 1.4593% | 1,410 |
| Credit loss provision to net charge-offs | 251.0585% | 1,711 |
| Earnings coverage of net charge-offs (x) | -0.5118% | 6,478 |
| Efficiency ratio | 116.6532% | 644 |
| Assets per employee ($millions) | 3.6406% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7346% | 851 |
| Loan loss allowance to noncurrent loans | 57.7504% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6060% | 1,825 |
| Noncurrent loans to loans | 4.7353% | 1,446 |
| Net loans and leases to total assets | 73.2349% | 2,729 |
| Net loans and leases to deposits | 80.8839% | 4,226 |
| Net loans and leases to core deposits | 129.1644% | 1,490 |
| Total domestic deposits to total assets | 90.5432% | 571 |
| Equity capital to assets | 8.6547% | 6,026 |
| Core capital (leverage) ratio | 5.2976% | 7,899 |
| Tier 1 risk-based capital ratio | 7.0219% | 7,891 |
| Total risk-based capital ratio | 8.2891% | 7,895 |
| Memoranda: | ||
| Average total assets | $101,504,750 | 5,081 |
| Average earning assets | $91,404,750 | 5,113 |
| Average equity | $9,250,500 | 5,574 |
| Average total loans | $73,364,500 | 4,795 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 6,302 |
| Cost of funding earning assets | 2.6016% | 1,280 |
| Net interest margin | 2.5319% | 7,445 |
| Noninterest income to average assets | 0.8419% | 2,209 |
| Noninterest expense to average assets | 3.3733% | 2,710 |
| Loan and lease loss provision to assets | 3.1447% | 471 |
| Net operating income to assets | -3.3923% | 7,746 |
| Return on assets (ROA) | -3.3923% | 7,750 |
| Pretax return on assets | -3.3923% | 7,660 |
| Return on Equity (ROE) | -36.6901% | 7,809 |
| Retained earnings to average equity (ytd only) | -36.6901% | 7,794 |
| Net charge-offs to loans | 0.9710% | 1,798 |
| Credit loss provision to net charge-offs | 453.5714% | 1,026 |
| Earnings coverage of net charge-offs (x) | -0.3571% | 5,996 |
| Efficiency ratio | 107.9220% | 915 |
| Assets per employee ($millions) | 4.1116% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 771 |
| Loan loss allowance to noncurrent loans | 44.7737% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.2348% | 1,363 |
| Noncurrent loans to loans | 5.9579% | 919 |
| Net loans and leases to total assets | 69.1838% | 3,906 |
| Net loans and leases to deposits | 76.1147% | 5,158 |
| Net loans and leases to core deposits | 129.7369% | 1,592 |
| Total domestic deposits to total assets | 90.8941% | 493 |
| Equity capital to assets | 8.2887% | 6,345 |
| Core capital (leverage) ratio | 5.4658% | 7,988 |
| Tier 1 risk-based capital ratio | 7.0031% | 8,007 |
| Total risk-based capital ratio | 8.2675% | 8,015 |
| Memoranda: | ||
| Average total assets | $105,001,670 | 5,015 |
| Average earning assets | $94,712,000 | 5,051 |
| Average equity | $9,708,330 | 5,453 |
| Average total loans | $74,976,670 | 4,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 5,714 |
| Cost of funding earning assets | 2.7300% | 1,181 |
| Net interest margin | 2.6088% | 7,357 |
| Noninterest income to average assets | 0.8369% | 2,142 |
| Noninterest expense to average assets | 3.2307% | 2,854 |
| Loan and lease loss provision to assets | 0.3016% | 3,534 |
| Net operating income to assets | -0.3430% | 6,730 |
| Return on assets (ROA) | -0.3430% | 6,806 |
| Pretax return on assets | -0.3430% | 6,706 |
| Return on Equity (ROE) | -3.5331% | 6,841 |
| Retained earnings to average equity (ytd only) | -3.5331% | 6,365 |
| Net charge-offs to loans | 0.4583% | 2,301 |
| Credit loss provision to net charge-offs | 91.9540% | 3,964 |
| Earnings coverage of net charge-offs (x) | -0.1264% | 5,099 |
| Efficiency ratio | 101.3002% | 1,077 |
| Assets per employee ($millions) | 3.9305% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,853 |
| Loan loss allowance to noncurrent loans | 31.0721% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 2.0919% | 2,761 |
| Noncurrent loans to loans | 2.8137% | 2,325 |
| Net loans and leases to total assets | 69.9776% | 3,674 |
| Net loans and leases to deposits | 78.1461% | 4,901 |
| Net loans and leases to core deposits | 130.5264% | 1,629 |
| Total domestic deposits to total assets | 89.5471% | 990 |
| Equity capital to assets | 9.6481% | 4,456 |
| Core capital (leverage) ratio | 7.0353% | 7,611 |
| Tier 1 risk-based capital ratio | 8.7782% | 7,886 |
| Total risk-based capital ratio | 9.5744% | 8,009 |
| Memoranda: | ||
| Average total assets | $106,107,500 | 5,001 |
| Average earning assets | $95,676,500 | 5,032 |
| Average equity | $10,302,500 | 5,298 |
| Average total loans | $75,933,500 | 4,767 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9887% | 1,165 |
| Cost of funding earning assets | 3.3362% | 841 |
| Net interest margin | 3.6525% | 4,665 |
| Noninterest income to average assets | 1.7684% | 435 |
| Noninterest expense to average assets | 4.2934% | 1,053 |
| Loan and lease loss provision to assets | 2.0335% | 586 |
| Net operating income to assets | -1.2934% | 7,385 |
| Return on assets (ROA) | -1.2636% | 7,316 |
| Pretax return on assets | -1.2636% | 7,145 |
| Return on Equity (ROE) | -10.5742% | 7,316 |
| Retained earnings to average equity (ytd only) | -10.5742% | 7,121 |
| Net charge-offs to loans | 2.5055% | 380 |
| Credit loss provision to net charge-offs | 104.6023% | 5,113 |
| Earnings coverage of net charge-offs (x) | 0.3807% | 6,002 |
| Efficiency ratio | 85.2973% | 1,921 |
| Assets per employee ($millions) | 3.7890% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 6,849 |
| Loan loss allowance to noncurrent loans | 54.1292% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 3,499 |
| Noncurrent loans to loans | 1.5894% | 3,388 |
| Net loans and leases to total assets | 71.9071% | 3,608 |
| Net loans and leases to deposits | 80.3309% | 4,988 |
| Net loans and leases to core deposits | 119.0348% | 2,783 |
| Total domestic deposits to total assets | 89.5137% | 840 |
| Equity capital to assets | 9.7709% | 4,328 |
| Core capital (leverage) ratio | 7.3554% | 7,354 |
| Tier 1 risk-based capital ratio | 8.7170% | 7,942 |
| Total risk-based capital ratio | 9.5074% | 8,082 |
| Memoranda: | ||
| Average total assets | $90,534,800 | 5,337 |
| Average earning assets | $80,930,600 | 5,405 |
| Average equity | $10,818,800 | 5,180 |
| Average total loans | $70,245,800 | 4,858 |